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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 results in Saginaw, MI metro

  1. Top Carrot, Carrot Score 92
    Health Advantage Credit UnionPromotional CertificateCD · 9 months · $500 min

    Credit union · 1 branch

    4.50%APY$336 over 9 months on $10,000intro rate
  2. Top Carrot, Carrot Score 98
    Dow Credit UnionSimple CDsCD · 13 months · $500 min

    Credit union · 1 branch

    4.50%APY$488 over 13 months on $10,000
  3. Top Carrot, Carrot Score 90
    Family First Credit UnionNew Money CD SpecialsCD · 15 months · $1,000 min

    Credit union · 3 branches

    4.50%APY$566 over 15 months on $10,000intro rate
  4. Top Carrot, Carrot Score 94
    Lake Huron Credit UnionCertificates of DepositCD · 24 months

    Credit union · 2 branches

    4.50%APY$920 over 24 months on $10,000
  5. Top Carrot, Carrot Score 94
    United Financial Credit Union16 Month CD Special (New Money)CD · 16 months · $500 min

    Credit union · 6 branches

    4.40%APY$591 over 16 months on $10,000intro rate
  6. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 3 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  7. Top Carrot, Carrot Score 89
    Members First Credit UnionCertificates of DepositCD · 15 months · $500 min

    Credit union · 1 branch

    4.25%APY$534 over 15 months on $10,000
  8. Top Carrot, Carrot Score 94
    United Financial Credit Union16 Month CD SpecialCD · 16 months · $500 min

    Credit union · 6 branches

    4.20%APY$564 over 16 months on $10,000
  9. Top Carrot, Carrot Score 94
    United Financial Credit Union11 Month CD Special (New Money)CD · 11 months · $500 min

    Credit union · 6 branches

    4.15%APY$380 over 11 months on $10,000intro rate
  10. Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min

    Bank · 3 branches

    4.13%APY$448 over 13 months on $10,000with conditions
  11. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 7 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  12. Top Carrot, Carrot Score 94
    United Financial Credit Union11 Month CD SpecialCD · 11 months · $500 min

    Credit union · 6 branches

    4.05%APY$371 over 11 months on $10,000
  13. Top Carrot, Carrot Score 90
    Family First Credit UnionSave to Win CDCD · 6 months · $500 min

    Credit union · 3 branches

    4.00%APY$198 over 6 months on $10,000
  14. ELGA Credit UnionPromotional CDCD · 10 months · $1,000 min

    Credit union · 2 branches

    4.00%APY$332 over 10 months on $10,000intro rate
  15. Top Carrot, Carrot Score 88
    Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min

    Credit union · 1 branch

    4.00%APY$2,167 over 60 months on $10,000with conditions

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What CDs pay in Saginaw, MI metro

328 CDs at 23 banks and credit unions · checked Sep 18–Oct 22

Typical
3.20%
Top 10% from
3.85%
Banks, typical
0.50%
Credit unions, typical
3.45%

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Saginaw, MI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Dow Credit UnionCredit union · 1 branch
  2. United Financial Credit UnionCredit union · 6 branches
  3. Lake Huron Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate